About HighRiskHomeowners.com
Since 2005, we've been connecting homeowners with licensed agents who specialize in high-risk properties and complex insurance situations.
Our Mission
Every homeowner deserves access to quality insurance coverage, regardless of their property's risk profile. We believe that being labeled "high-risk" shouldn't mean being left without options or forced into expensive last-resort programs.
Our mission is to bridge the gap between homeowners facing insurance challenges and the specialists who have the expertise and market access to solve them. We've built a network of licensed professionals who understand that every property has a story, and every story has a solution.
Helping Homeowners Since 2005
Over 20 years of connecting people with solutions
Our Core Values
Accessibility
Everyone deserves access to insurance protection
Expertise
Connecting you with true specialists, not generalists
Transparency
Clear, honest communication about options and costs
Results
Focused on finding real solutions that work
Our Story
How we became the go-to resource for high-risk insurance
Our mission began in 2005 and after the housing crash in 2008, our founders expanded to help more homeowners who were struggling. We recognized a critical gap in the insurance marketplace, too many homeowners with challenging properties were being told they were "uninsurable" or forced into expensive state programs without exploring all available options.
We started by building relationships with insurance agents who specialized in difficult placements - professionals who understood that every property has unique characteristics and that creative solutions often exist where others see only problems. These agents had access to specialty carriers, surplus lines markets, and alternative programs that general agents simply didn't know about.
Over the years, we've refined our matching process, expanded our network to cover 40+ states, and helped thousands of homeowners find coverage for properties that others couldn't insure. We've seen the insurance landscape change dramatically, with increasing weather events, stricter underwriting, and more properties being classified as high-risk.
Today, our mission remains the same: connecting homeowners who need specialized help with the agents who have the expertise to provide it. We're proud to offer this service at no cost to homeowners, making expert insurance guidance accessible to everyone who needs it.
HighRiskHomeowners.com by the Numbers
Our track record speaks for itself
Our Approach
What sets us apart in the industry
Specialized Focus
We focus exclusively on high-risk properties rather than trying to be everything to everyone. This specialization allows us to provide better results.
Vetted Network
Every agent in our network is carefully vetted for licensing, experience, and track record with high-risk properties before being included.
Urgency Understanding
We understand that insurance needs are often urgent. Our process is designed for speed without sacrificing quality.
What We Believe
Every Property Has a Solution
We believe that with the right expertise and market access, coverage can be found for virtually any property. It's about knowing where to look and how to present the risk.
Expertise Should Be Accessible
High-quality insurance guidance shouldn't be limited to those who can afford expensive consultants. Expert help should be available to everyone who needs it.
Specialists Make the Difference
General agents often can't help with challenging properties. Specialists who focus on high-risk situations have the knowledge and relationships to find solutions.
Service Over Profit
Our free model ensures we're focused on helping homeowners rather than maximizing revenue. Success is measured by problems solved, not fees collected.
How We're Different
What sets us apart from other insurance services
High-Risk Focus Only
We don't handle standard insurance needs. Our entire focus is on challenging properties that require specialized expertise.
Curated Agent Network
We don't work with just any licensed agent. Our network consists of specialists who have proven experience with high-risk properties.
No Lead Farming
We don't sell your information to multiple agents. We make thoughtful connections with specialists who are right for your specific situation.
Ongoing Support
Our relationship doesn't end with the referral. We provide ongoing support and can help if issues arise during the coverage process.
Educational Resources
We provide extensive educational content to help homeowners understand their options and make informed decisions about coverage.
Quality Monitoring
We regularly monitor agent performance, customer satisfaction, and success rates to maintain the highest standards in our network.
Our Commitment to You
We're committed to maintaining the highest standards of service while keeping our referral service completely free to homeowners. We believe that everyone deserves access to expert insurance guidance, regardless of their ability to pay for it.
Our success is measured not by the fees we collect, but by the problems we solve and the homeowners we help protect. When you succeed in finding the right coverage, we succeed in our mission.
Get in Touch
Have questions about our service or need immediate assistance? We're here to help.